2004 Suzuki XL-7 Insurance Quotes – 9 Tips for Best Rates

Searching for the cheapest insurance for a new or used Suzuki XL-7 can turn out to be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Suzuki and locate the best price possible from both online companies and local agents.

Consumers should take time to check insurance prices quite often because rates change quite often. Just because you had the best rate for XL-7 insurance on your last policy you can probably find a better price now. Block out anything you think you know about insurance because you’re about to find out the quickest way to find the best coverage while lowering your premiums.

More affordable rates with these nine discounts

Some providers don’t always advertise every policy discount in an easy-to-find place, so we researched a few of the more well known as well as the least known savings tricks you should be using when you buy car insurance online.

• Telematics Data Discounts – Insureds that choose to allow their insurance company to spy on when and where they use their vehicle through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as they are good drivers.
• Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Online Discount – A few insurance companies provide a small discount for buying your policy on your computer.
• Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn at least 10 to 15 percent or more.
• Save over 55 – Drivers over the age of 55 could receive a discount up to 10% for XL-7 insurance.
• Claim-Free Discount – Claim-free drivers can earn big discounts in comparison to drivers who are more careless.
• Club Memberships – Belonging to a professional or civic organization is a simple method to lower premiums on your next renewal.
• Homeowners Savings – Just owning your own home can get you a discount because it means you have a higher level of financial diligence.
• Waiver for an Accident – Not really a discount, but a handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free for a specific time period.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

Some of the insurance companies that may offer quotes with some of the discounts shown above are:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When getting free car insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above might not be offered in your area. If you would like to choose from a list of companies with the best insurance discounts, click here to view.

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Insurance coverage can be complex

When it comes to choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.

These are some specific questions may help you determine if your situation may require specific advice.

• When can my company non-renew my policy?
• Does my policy cover my teen driver if they drive my company car?
• Can I get a multi-policy discount?
• Is my custom paint covered by insurance?
• How much liability coverage do I need in my state?
• What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Why you might not save $470 a year

Consumers can’t get away from ads for cheaper insurance coverage by companies like Allstate and Progressive. They all have a common claim that people will save if you just switch your insurance coverage coverage to their company.

How does every company claim to save you money? This is how they do it.

Insurance companies quote the lowest rates for the type of driver that earns them the most money. One example of this type of risk profile might be described as married and over the age of 30, carries high limits, and the vehicle is rated for pleasure use. Any driver who matches those parameters will qualify for the lowest car insurance rates and will probably save quite a bit of money when switching.

Potential insureds who don’t qualify for these criteria will be quoted a higher rate and this results in the customer buying from someone else. The ads state “people who switch” not “everyone that quotes” will save that much if they switch. That’s the way companies can truthfully make claims that they all have the best rates.

Different companies use different criteria so it’s extremely important to compare as many free car insurance quotes as you can. You cannot predict with any certainty which company will have the best prices at this point in time.

Insurance policy specifics

Understanding the coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, a broken windshield, damage from a tornado or hurricane and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability insurance

This protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, bail bonds, attorney fees, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision coverage protection

Collision insurance pays for damage to your XL-7 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

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More choices the merrier

When you buy car insurance online, never reduce coverage to reduce premium. In many instances, someone sacrificed liability coverage limits to discover at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

We just showed you a lot of ways to compare 2004 Suzuki XL-7 insurance prices online. The key thing to remember is the more you quote car insurance, the better your comparison will be. Consumers may even find the biggest savings come from a lesser-known regional company.

Drivers switch companies for any number of reasons including policy cancellation, unfair underwriting practices, extreme rates for teen drivers or not issuing a premium refund. It doesn’t matter what your reason, finding the right auto insurance provider can be pretty painless.

Additional auto insurance information can be read on the following sites:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• Should I Buy a New or Used Car? (Allstate)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)

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